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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,513 | $86,938+13.3% | $102,423-3.8% | $80,925+21.7% |
| Participation rate | 95.5% | 72.4%+23.1pp | 76.5%+19.0pp | 67.7%+27.8pp |
| Annual return | 13.77% | 18.89%-5.1pp | 29.42%-15.7pp | 35.65%-21.9pp |
| Employer contribution / active EE | $2,851 | $2,369+20.3% | $3,023-5.7% | $2,756+3.4% |
| Participant deferral / active EE | $6,195 | $4,120+50.4% | $5,054+22.6% | $4,299+44.1% |
| Admin fee / account holder | $16,474 | $8,053+104.6% | $9,455+74.2% | $6,940+137.4% |